"Something came up," Yun Duoduo asked him. "Do you need a car?"
"No, there's a problem with the bank." After Li Yunfeng and Yun Duoduo went into the factory together, he said anxiously, "The bank said that our loan amount is too large and they can't approve that much."
Yun Duoduo frowned. This was a bit tricky. Last time, she thought all the formalities were completed and she was just waiting to get the money to start work.
Many preparatory activities have been arranged.
For example, the bricklayers, the architects who designed the house, and even the deposits have been paid, and now they're causing trouble.
Yun Duoduo roughly knew that there must be some problems within the bank. She didn't ask why, but only asked, "How much can be approved?"
“Half, they said it could only be half at most,” Li Yunfeng said in a low voice. “I asked around and found out that the person in charge of the bank had a grudge against our Li family before, and this time they were deliberately making things difficult for us.”
Because if there really was a grudge against the Li family, the impact would be quite significant, so Yun Duoduo didn't feel comfortable asking too many questions and just nodded.
Soon after, Li Yunfeng added, "However, it wasn't really making things difficult; they were just following the rules."
Yun Duoduo nodded. She understood that banks at this time were different from those decades ago. Banks nowadays were more conservative in their operations and were generally unwilling to lend out too much money.
In particular, their project, for the time being, is not a particularly profitable one.
Because, in recent years, houses in Kyoto have not been easy to sell.
Originally, Kyoto residents either owned their own houses or were allocated houses by their work units, so they didn't need to buy or rent houses at all.
At that time, there weren't many individual business owners coming from outside to do business, so not many people needed houses.
After the bank's assessment, they felt that the project wasn't very profitable, so it wasn't unreasonable for them not to approve the loan.
Yun Duoduo thought for a moment and made a suggestion, "What if we go to another bank? Can we get a loan there?"
“That definitely won’t work either. We don’t know anyone at other banks, so it will probably be even more troublesome.” Li Yunfeng shook his head and said, “The whole process will take several months to complete.”
"So what are your plans?" Yun Duoduo asked Li Yunfeng, looking at his expression.
Li Yunfeng said, "If all else fails, I'll sell all the houses I've stockpiled; that should be enough to raise some money."
Yun Duoduo immediately rejected the idea, saying, "We can't sell the existing houses. The house prices will rise soon, and we won't earn less money than we did building this house."
After thinking for a moment, Yun Duoduo said, "If it really doesn't work out, we can leave the land there for now. We can build the house in a couple of years when we have more money. There won't be any loss."
Just as Li Yunfeng agreed with Yun Duoduo's idea, Ning Yue's voice suddenly came from the doorway, "Silly child, why didn't you tell your mother you needed money to build the house? Why bother others at the bank?"
The two turned around and saw Ning Yue coming over carrying a bag. Yun Duoduo went over and pulled Ning Yue to sit down.
"Mom, the building we're building will cost a lot of money," Yun Duoduo said to Ning Yue with a smile.
She knew Ning Yue was not short of money, but even if she was rich, she was just a hospital director and probably couldn't afford to build a building.
Ning Yue nodded and smiled, "I know, your second uncle is a building builder, how could I not know how much it costs to build a building?"
She paused for a moment, then added, "How much do you want? I'll call your uncles later and have them wire the money over."
"This..." Yun Duoduo was not quite in agreement. She was worried that her uncle in Haicheng would suspect that they had only taken Ning Yue back because they were after the Ning family's money.
To be frank, even among relatives, it's best to be cautious when it comes to money.
Li Yunfeng, however, thought the idea was quite good. He laughed and said, "Let's treat it as a loan from our uncles and pay them according to the bank interest rate, right?"
Ning Yue smiled and waved her hand, "Alright, alright, don't worry about this, I'll handle it. Yunfeng, you just get on with the house construction, the money will definitely be in place."
Although Li Yunfeng was somewhat skeptical, he couldn't explicitly say he didn't believe it. He nodded and left first.
He planned to follow Yun Duoduo's advice: since the land had already been bought, he would leave it as is until the funds were in place.
Yun Duoduo wanted to tell Ning Yue not to worry about the money, but Ning Yue wouldn't let her say anything more, insisting that she would handle the matter herself.
Yun Duoduo didn't serve the food, so we just let her be and chatted with her.
Ning Yue usually comes here with Ye Wenyue, but today she came alone. She asked with a smile, "Mom, why didn't you come with me? Why did you come alone today?"
"Your dad took your mom out; they said a comrade-in-arms had a grandson and was having a celebration. I was bored, so I came to find you." Ning Yue finished speaking, glanced at Yun Duoduo's factory, and suddenly asked,
Are you alright today?
Seeing her ask that, Yun Duoduo guessed that she might have something to say to her, so she smiled and shook her head, "Nothing for now."
Ning Yue was delighted to hear this. "That's perfect. Come to my house. I brought you some things, but I haven't had time to give them to you yet."
Yun Duoduo nodded, and after instructing Li Yunfeng on matters concerning the factory, she went with Ning Yue to her place.
Ning Yue is temporarily staying in a small courtyard arranged for her by Li Yunfeng.
The courtyard wasn't large, but it was in a great location, very quiet, and the decor was quite different from typical courtyards at this time of year.
The entire courtyard was built with the same color of red bricks, and the front of the courtyard was painted with a layer of white lime. The courtyard walls were also made of red bricks, which made it look very comfortable from a distance.
It's clear that Ning Yue is someone who values comfort. In the yard, she has several potted plants and a trellis with ivy climbing around them.
The Virginia creeper emits a faint, refreshing fragrance that makes people feel exceptionally comfortable.
Although it's still January and the weather is a bit cold, there are many more sunny days now. Being able to bask in the sun in this courtyard every day is definitely a treat.
After entering the courtyard, Ning Yue said to Yun Duoduo, "Duoduo, feel free to look around for a bit. I'll go inside to get something."
Yun Duoduo only sat in Ning Yue's courtyard for a while before she saw Ning Yue come out carrying a large wooden box.
She placed the wooden box in front of Yun Duoduo and opened it herself. "Duoduo, these things were prepared for you when I was in Haicheng. Please keep them and don't be offended."
“These are…” Yun Duoduo looked at the wooden box, unable to guess what was inside.
Ning Yue didn't say anything, she just smiled and said, "Open it and see if you like it. If you don't like it, you can exchange it for something else."
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